2000 Jaguar XJR Car Insurance Rates – 9 Savings Tips

Searching for the cheapest insurance rates for your Jaguar XJR? Locating the cheapest insurance for a Jaguar XJR can normally be an all-consuming task, but you can use our insurance buying tips to save time.

There is a better way to shop for insurance so you’re going to learn the proper way to price shop coverage for your Jaguar and obtain the lowest price from local insurance agents and online providers.

It’s important to do rate comparisons before your policy renews since rates fluctuate regularly. Just because you had the best deal for XJR insurance a couple years back you can probably find a lower rate today. Starting right now, forget all the misinformation about insurance because you’re going to learn the quickest way to remove unneeded coverages and save money.

Compare the Market for Insurance Coverage

All major insurance coverage companies such as Progressive, Allstate and GEICO give pricing on their websites. Getting quotes doesn’t take a lot of time as you just type in your coverage information as detailed in the form. After the form is submitted, their rating system automatically orders your driving and credit reports and generates pricing information based on many factors.

Online quotes streamlines rate comparisons, but the time required to go to a lot of sites and fill out multiple forms can get tiresome after awhile. But it’s very important to have as many quotes as possible if you are searching for the best price on insurance coverage.

Quote rates the easy way

An easier way to find lower prices uses one form to return rates from more than one company. This type of form saves time, eliminates repetitive work, and makes quoting online much more efficient. After sending the form, it is quoted and you are able to buy any or none of the quote results.

If the quotes result in lower rates, you can click and sign and buy the new coverage. This process only takes a few minutes and can result in significant savings.

To quickly compare rates using this form now, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you duplicate the insurance coverages exactly as they are listed on your policy. This helps ensure you will get an apples-to-apples comparison for the exact same coverage.

Don’t believe everything you hear

Consumers can’t ignore all the ads for car insurance savings from the likes of Progressive, Allstate and GEICO. They all say the same thing that you’ll save big if you change your coverage to them.

How does each company claim to save you money? This is how they do it.

All the different companies can use profiling for the driver that earns them a profit. For example, a desirable insured might be over the age of 50, has no driving citations, and drives newer vehicles. A customer who fits that profile receives the best rates and therefore will save when switching.

Drivers who don’t qualify for the requirements will have to pay higher rates which leads to the driver buying from a lower-cost company. The ad wording is “people who switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can confidently claim big savings.

Because of the profiling, drivers must compare as many rates as you can. You cannot predict which insurance companies will fit your personal profile best.

Don’t miss these nine discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be specifically requested prior to receiving the credit. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Air Bag Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Homeowners Discount – Being a homeowner may earn you a small savings because owning a home shows financial diligence.
  • Defensive Driver – Taking a defensive driving course could save 5% or more if your company offers it.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you could get a free insurance policy, companies don’t profit that way. Any amount of discount will bring down the amount you have to pay.

Insurance companies that may offer some of the above discounts include:

Before buying, ask each company what discounts are available to you. Discounts may not be available in your area.

When might I need help?

When choosing proper insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that may help you determine if your situation would benefit from professional advice.

  • Are my tools covered if they get stolen from my vehicle?
  • What are the financial responsibility laws in my state?
  • Does medical payments coverage apply to all occupants?
  • Am I covered by my spouse’s policy after a separation?
  • Can my babysitter drive my car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered when delivering products for my home-based business?
  • Does coverage extend to a rental car in a foreign country?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

Insurance policy specifics

Knowing the specifics of insurance can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses such as dental work, doctor visits and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible


This will cover damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical expenses, emergency aid and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your 2000 Jaguar XJR.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision protection

Collision insurance will pay to fix damage to your XJR resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like hitting a mailbox, damaging your car on a curb, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, rock chips in glass, a tree branch falling on your vehicle, hail damage and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

More quotes. Lower rates.

When you buy insurance online, never buy less coverage just to save a little money. In many instances, someone dropped physical damage coverage and discovered at claim time that they should have had better coverage. The ultimate goal is to find the BEST coverage at an affordable rate while still protecting your assets.

You just read some good ideas how you can lower your 2000 Jaguar XJR insurance rates. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. You may even discover the lowest priced insurance coverage comes from an unexpected company.

The cheapest insurance is attainable online as well as from independent agents, so compare prices from both to have the best rate selection. A few companies don’t offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

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